Vliv makroekonomických veličin na poměrové ukazatele banky ČSOB, a.s.

Abstract

The aim of this thesis was to study the impact of macroeconomic variables on the volume of loans ČSOB, a.s. from 2002 to 2009, their prediction and the impact on the ratios of the bank. The introduction was aligned with the goal of thesis. In the second chapter, selected macroeconomic variables were characterized and described their evolution. Another chapter dealt with the bank´s performance, characteristics and evolution of financial ratios ČSOB, a.s.. These are indicators of return on equity, return on assets, indicators of overall volume and productivity, cost intensity, duality of bank assets and capital adequacy. In the fourth section, the influence of macroeconomic variables (GDP, the average monthly wage, unemployment, inflation, the euro exchange rate, a dummy variable) on the volume of loans ČSOB, a.s. was studied, using the statistical program SPSS. In the end was studied the impact of macroeconomic variables on the volume of loans and their impact on the ratios ČSOB, a.s..